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Cancer

How to get Life Insurance after Prostate Cancer for Generation X Men

By | Cancer

Prostate Cancer—like testicular cancer—only effects men.

The prospect of getting cancer is terrifying to anyone, but especially for a man in his mid to late 30’s, 40’s, and early 50’s.

Why?

Because this is the time in a man’s life when he is at his peak in earning power, but also at his peak in liabilities.

Generation X men in their mid thirties to early fifties face marriage, mortgage, kids, careers, new businesses, retirement, and all the ever-present big and little expenses that come along with life. It really is the age bracket when a man needs to have the most money coming in because he has the most money going out. Therefore, if a Gen X man gets diagnosed with prostate cancer during this age, the diagnosis sets him back considerably. First and foremost, he must concentrate on beating the cancer; second, he needs to concentrate on rebounding financially; and third, he needs to make sure his family is taken care of financially if there is a next time when he isn’t victorious against cancer. Life insurance is one such way a Gen X man can provide for his family, even in his unfortunately absence.

(To skip this article on life insurance for Gen X men after prostate cancer and to generate your own life insurance quotes, click here. Just enter in your height, weight, and how much life insurance you want quotes for, and you’ll be able to generate life insurance quotes from around 2o A-rated companies within about five minutes of your time).

 

 

What is prostate cancer, and how is prostate cancer treated?

According to the American Cancer Society, “prostate cancer begins when cells in the prostate gland start to grow uncontrollably. The prostate is a gland found only in males. It makes some of the fluid that is part of semen.”

The symptoms that a man may have prostate cancer include the following:

  • “Frequent urination
  • Weak or interrupted urine flow or the need to strain to empty the bladder
  • Blood in the urine
  • The urge to urinate frequently at night
  • Blood in the seminal fluid
  • New onset of erectile dysfunction
  • Pain or burning during urination, which is much less common
  • Discomfort when sitting, caused by an enlarged prostate.” (credits here)

Therefore, if you have any of these symptoms, please go to your doctor immediately to be tested for prostate cancer. The tests for prostate cancer can include a physical exam from your doctor, PSA blood test, ultrasound, and a biopsy.

If diagnosed with prostate cancer, treatments available include the following:

  • “surgery
  • radiation
  • cryotherapy
  • hormone therapy
  • chemotherapy
  • vaccine treatment
  • bone-directed treatment.” (credits here)

The silver lining about prostate cancer is that it has a 96% survival rate. That’s definitely good news for all men everywhere.

 

 

What do life insurance companies look at when getting a life insurance application from a Gen X man who survived prostate cancer?:

Life insurance companies will factor in the following when getting a life insurance application from a Generation X man who survived prostate cancer:

  • WHEN WERE YOU DIAGNOSED–how long ago has it been since you were first diagnosed with prostate cancer and subsequently given a clean bill of health.
  • AGE AT DIAGNOSIS–how old were you when you were first diagnosed with prostate cancer. The difficulty in getting life insurance after prostate cancer really is age-specific. Prostate cancer is rare in men until the age of 40. When men enter into their 60’s and 70’s, prostate cancer becomes increasingly common. In fact, next to skin cancer, it is the most common type of cancer for men in their 60’s and 70’s.
  • WHEN WERE YOU LAST TREATED–when were you last treated for the prostate cancer, and when did you subsequently get a clean bill of health for prostate cancer from your doctor is of paramount importance to underwriters at life insurance companies.
  • WHAT TYPE OF TREATMENT DID YOU RECEIVE FOR THE PROSTATE CANCER–there are typically three types of treatment for prostate cancer: 1) prostatectomy, 2) brachytherapy, and 3) radiation. The type of treatment you received for prostate cancer is an important consideration for life insurance companies.
  • WHAT GRADE AND STAGE OF PROSTATE CANCER DID YOU HAVE USING THE GLEASON SYSTEM—for a detailed synopsis of the grading and staging system for prostate cancer, GO TO THIS LINK.
  • HOW HAS YOUR HEALTH BEEN SINCE YOU GOT RID OF THE PROSTATE CANCER–this is especially important to Life Insurance companies as it shows improved health or, unfortunately, worse health. Similarly, life insurance companies will look to see what kind of medications you are taking since beating the prostate cancer. Life insurance companies will appraise your health by examining your medical records, and ultimately, by examining the results of your life insurance medical exam.
  • MEDICAL EXAM—life insurance companies will order a medical exam for you as a prerequisite for getting a life insurance policy. At the life insurance medical exam, they will check your vitals, take a urine sample, and draw blood. The life insurance medical exam, in conjunction with your medical records, is pivotal for life insurance companies in considering your insurability and final life insurance rate.

All in all, getting life insurance after prostate cancer for men is doable. It becomes more difficult to get life insurance after prostate cancer the older you get because prostate cancer is more common in older men.

I hope this has been a helpful article on life insurance after prostate cancer. It is specifically geared toward men in their mid to late 30’s, 40’s, and early 50’s (Gen X men), but this article is applicable to any man who has survived prostate cancer.

If you are a Generation X man interested in getting quotes for life Insurance, call me at (615) 525-6165, email me at robert@weigelinsurance.com, contact me here, or message me through linkedin.com.

If you prefer to generate your own life insurance quotes from around 20 A-rated life insurance companies in five minutes or less, the life insurance quoter is here.

 

Until next time and until next life insurance article,

 

Robert Weigel

Term Life Insurance Agent for Generation X

www.weigelinsurance.com

robert@weigelinsurance.com

(615) 525-6165

 

How to get Life Insurance after Skin Cancer for Gen X:

By | Cancer

I remember being a kid during my adolescent summers rarely wearing a shirt (in spite of being a little chunky) and always wearing swim trunks. I’d bike over to my best friend Sean’s house—who lived about a mile away—knock on the door, and we’d be off shooting bottle rockets, going to the pool, playing ping pong, playing the easy game (baseball with a Koosh ball instead of a baseball), and always being in the sun. I was never admonished by my parents “to go play outside”—-I was always playing outside. I loved being outside; I still do. I rarely wore sun screen. I have naturally olive skin, but by the end of the summer, my skin would be dark. The crabby sunburns of early June would give way to the patchy brown freckles of mid July to the “really tan Robb” of late August, cramming in last-minute summer reading and readying myself for school to start. On more than one occasion over each summer at least one of my older sisters would tell me to put on sunscreen so “you won’t get skin cancer”—I dismissed them. They were half-hearted anyway—my sisters certainly earned their group membership discount at the local tanning bed.

Thanks for reading my short trip down memory lane.

I imagine the summers of many Gen Xers—people in their mid to late 30’s, 40’s, and early 50’s—were similar to mine.

Undoubtedly, the summers spent under the sun of my youth has taken a toll on my skin now that I’m in my late 30’s. But, I wouldn’t trade those memories for anything in the world….I really wouldn’t.

(If you have read enough about the summers of my youth and came here to get term life insurance quotes, go here. Just enter your height, your weight, and how much life insurance you want in the life insurance quoter, and you’ll be able to generate your own life insurance quotes from around 20 A-rated life insurance companies in about 5 minutes of your time).

  

 

Getting to the point of this article: What are the types and stages of skin cancer, and how is skin cancer treated?

According to the American Cancer Society, “skin cancer starts in the cells of the skin. Some other types of cancer start in other parts of the body and can spread to the skin, but these are not skin cancers.

There are 3 main types of skin cancers:

  • Basal cell skin cancers (basal cell carcinomas)
  • Squamous cell skin cancers (squamous cell carcinomas)
  • Melanomas.” (credits here)

These are the stages of non-melanoma skin cancer:

  • “Stage 0 (Carcinoma in Situ)
  • Stage I Stage I nonmelanoma skin cancer. The tumor is no more than 2 centimeters.
  • Stage II Stage II nonmelanoma skin cancer. The tumor is more than 2 centimeters wide.
  • Stage III
  • Stage IV.” (credits here)

Read this article for an understanding of the stages of melanoma skin cancer.

Treatment of skin cancer is type-dependent. All in all, skin cancer is treated through prescription topical medication, surgery, radiation, and chemotherapy.

What do life insurance companies look at when they get a life insurance application from a Gen Xer who beat skin cancer?:

Life Insurance companies will look at the following criteria when they get a life insurance application from a Gen Xer who has had skin cancer:

  • INITIAL DIAGNOSIS—Life Insurance companies are concerned with when you were first diagnosed with skin cancer. Age of diagnosis is important.
  • LAST TREATMENT—Life Insurance companies are concerned with when you were last treated for skin cancer, and the date in which your doctor said that you were cancer-free.
  • TYPE OF SKIN CANCER—There are three basic types of Skin Cancer: a) Melanoma (the most dangerous type of skin cancer), b) basal cell skin cancer (most common skin cancer and the least dangerous), and c) squamous cell skin carcinoma (usually not life threatening).
  • STAGE OF SKIN CANCER—As aforementioned, there are five main stages of non-melanoma skin cancer—there are also five stages to melanoma skin cancer. The severity of the skin cancer increases as you go up the stages. Life insurance companies will want to know what stage of skin cancer you had prior to treatment.
  • METHOD OF TREATMENT—Life Insurance companies will take into consideration the method that was used to get rid of the skin cancer. Common methods for subduing skin cancer include the following: incision surgery (i.e. cutting it out), laser surgery, scraping it out, liquid nitrogen, topical medications, radiation, and even chemotherapy.
  • SUBSEQUENT OCCURRENCES—Life insurance companies are very concerned about whether you have had subsequent occurrences of skin cancer after the initial bout of skin cancer was defeated. This is one of the biggest factors that life insurance companies look at when evaluating the life insurance application of a Gen Xer who formerly had skin cancer.
  • DERMATOLOGIST FOLLOW-UPS—Underwriters at Life Insurance companies are going to want to know how often you go to see your Dermatologist since being treated for skin cancer. Since skin cancer can have reoccurrences, going to your Dermatologist monthly or quarterly to get checked out are important in keeping skin cancer at bay.
  • MEDICAL EXAM—The standard by which life insurance companies determine your overall health and your final life insurance rate is the life insurance medical exam. Your life insurance medical exam will give life insurance companies a good indication of your overall health.

All in all, getting life insurance after skin cancer is doable—just remember, life insurance companies take into account the criteria mentioned above when they get a life insurance application from a Gen Xer who has had skin cancer.

I hope this has been a helpful article on life insurance after skin cancer.

If you have defeated skin cancer and would like to get quotes for term life insurance, call me at (615) 525-6165, email me at robert@weigelinsurance.com, Contact Me Here, or message me through linkedin.com

 

Until next time and until next life insurance article,

 

Robert Weigel

Term Life Insurance Agent for Generation X

www.weigelinsurance.com

robert@weigelinsurance.com

(615) 525-6165

 

How to Get Life Insurance after Throat Cancer for Generation X:

By | Cancer

Getting life insurance after throat cancer for Gen Xers like me (people in their mid to late 30’s, 40’s and early 50’s born between 1965 and 1984) is dependent on the stage of throat cancer you were diagnosed with and the success of your treatment.

If you have ever seen on TV the poor woman, Terrie Hall, who recently passed away in this anti-smoking commercial, you know exactly what throat cancer looks like and sounds like. We’re accustomed to seeing people who have lost their hair because of chemo—but we are not accustomed to seeing people with a visible hole in their neck having to speak out of a voice box as a result of throat cancer. The sound coming from the voice box is raspy and harsh to the ears and is definitely not the natural voice of the survivor. Furthermore, throat cancer survivors have swallowing problems so they have to “gulp” often to clear the mucus from the airways and esophagus. If you are talking with and listening to a throat cancer survivor, you’ll notice they have to stop frequently to gulp. This pregnant pause is undoubtedly frustrating to them.

If there ever was a sure fire reason to never start smoking or to stop smoking immediately, please watch this anti-smoking commercial from Terrie Hall.

It is sad to say the least.

(Terrie hall)

What is throat cancer, and how is throat cancer treated?

According the the Mayo Clinic, “throat cancer refers to cancerous tumors that develop in your throat (pharynx), voice box (larynx), or tonsils.”

Throat cancer is primarily caused by smoking tobacco and by drinking too much alcohol; however, throat cancer can also be caused by HPV and gastro reflux disease.

The symptoms of throat cancer include the following:

  • “A cough
  • Changes in your voice, such as hoarseness or not speaking clearly
  • Difficulty swallowing
  • Ear pain
  • A lump or sore that doesn’t heal
  • A sore throat
  • Weight loss” (credits here)

If you have any of these symptoms and have ruled out other potential causes, please see a doctor immediately.

If you have been diagnosed with throat cancer by a doctor, here are the treatment options available to you:

  • chemotherapy
  • radiation
  • surgery (surgery to remove the voice box called laryngectomy; surgery to remove part of the throat called pharyngectomy; and neck dissection surgery to remove cancerous lymph nodes).

Survival rates for throat cancer are dependent upon the stage in which the cancer was diagnosed. Stage I and II survival rates are around 80%; later stages of throat cancer have a survival rate less than 50%.

The best cure for throat cancer is preventative—1) don’t every smoke, but if you do, stop as soon as possible, and 2) moderate your consumption of alcohol.

So, what do life insurance companies consider when evaluating the life insurance application of someone with throat cancer?

  • INITIAL THROAT CANCER DIAGNOSIS—life insurance companies will want to know when you were first diagnosed with throat cancer.
  • TYPE OF THROAT CANCER—life insurance companies will want to know the type of throat cancer you had. There are primarily two types of throat cancer: Pharyngeal cancer and Laryngeal cancer.
  • STAGES OF THROAT CANCER—There are five stages of Throat Cancer:  “Stage 0: The tumor has not invaded tissue beyond your throat. Stage 1: The tumor is less than 7 cm and limited to your throat. Stage 2: The tumor is slightly larger than 7 cm, but still limited to your throat. Stage 3: The tumor has grown and spread to nearby tissues and organs. Stage 4: The tumor has spread to your lymph or distant organs.” (credits here). The stage of throat cancer you had is important to life insurance companies when examining your insurability and deciding upon your final life insurance rate. At the Stage 0 and Stage 1 levels, you will be eligible for a traditional life insurance policy although it will be table-rated (an additional fee will be added to your policy). At the Stage 2, Stage 3, and Stage 4 levels, your best bet for life insurance will be a guaranteed issue life insurance policy. For more information on what a guaranteed issue life insurance policy is, read this article.
  • METHOD OF TREATMENT—Life insurance companies will want to know what method of treatment you received for the throat cancer. The three primary types of treatment for throat cancer are the following: surgery (laryngectomy, pharyngectomy, and neck dissection surgery), radiation, and chemotherapy.
  • END OF TREATMENT—life insurance companies will want to know when the treatment for your throat cancer ended to evaluate your life insurance application.
  • MEDICATION–Life Insurance companies will want to know what medication you took during your battle with throat cancer and what medication you are currently taking.
  • HEALTH AFTER CANCER–Life Insurance companies will want to know what your health is like now that you no longer have throat cancer. Life insurance companies will be able to evaluate your current health two ways: by examining your medical records and through your medical exam which will be a prerequisite for your life insurance policy.

Short story: When I was in my early 20’s and just getting out of college, I had a job interview with a marketing company. The man who interviewed me not only had undergone throat cancer, not only talked through a voice box, but smoked cigarettes through the hole in his neck. After the interview was over, I watched the man from my car about to leave the parking lot inhale a cigarette and exhale it through his voice box. That’s addiction for you.

All in all, getting life insurance after throat cancer is possible—your insurability and your final life insurance rate is going to be determined by the stage of throat cancer you had, your treatment for throat cancer, and your current health.

If you would like to discuss your life insurance needs, call me at (615) 525-6165, email me at robert@weigelinsurance.com, message me through Linkedin.com, or contact me here.

I hope this has been a helpful article on life insurance after throat cancer.

 

Until next time and until next life insurance article,

 

Robert Weigel

Term Life Insurance Agent for Generation X

www.weigelinsurance.com

robert@weigelinsurance.com

(615) 525-6165

 

Life Insurance after Testicular Cancer for Gen X Men

By | Cancer

If you were like me and played sports a lot as a kid, you have unfond memories of going to the doctor to get your annual physical as required to engage in school athletics. As part of the annual physical, my doctor would tell me to “drop trow”, and then he would touch my private area to see if my testes were normal. He had huge bug eyes which added to the extreme uncomfortableness of what could only have been 120 seconds of time. I remember my eyes darting all over the room, trying to avert my attention to the lollipops in the glass jar, the ticking clock on the wall, to…..anything else other than the examination being performed by my doctor. This was my first foray into testicular cancer, and how doctors diagnose it—it certainly was not my last. Fun times.

Life insurance is the most common type of cancer for men between the ages of 15 to 35. For my purposes in this article, it is a common type of cancer for the youngest bracket of Gen X men—those in their mid 30’s—but testicular cancer effects Gen X men of all ages.

Getting Life Insurance for Gen X men is doable after testicular cancer—however, because of the testicular cancer, you are  going to get a substandard health classification for life insurance which will mean higher life insurance rates. A substandard health class basically means that you are high risk or an impaired risk which translates into elevated life insurance rates. Sorry, Gen X men, this is the reality of getting life insurance after testicular cancer.

(To skip reading the rest of this article on life insurance after testicular cancer for Gen X men, proceed to generating your own term life insurance quotes from around 20 A-rated life insurance companies, here. It should take you less than five minutes to generate your own life insurance quotes).

What is testicular cancer, and how is testicular cancer treated?

According to the Mayo Clinic, “testicular cancer occurs in the testicles (testes), which are located inside the scrotum, a loose bag of skin underneath the penis.”

Here are the symptoms of testicular cancer according to the Mayo Clinic:

  • “A lump or enlargement in either testicle,
  • A feeling of heaviness in the scrotum,
  • A dull ache in the abdomen or groin,
  • A sudden collection of fluid in the scrotum,
  • Pain or discomfort in a testicle or the scrotum,
  • Enlargement or tenderness of the breasts,
  • Back pain.

Testicular Cancer usually affects only one testicle.” (credits here)

Testicular Cancer is treated in the following ways:

  • Surgery to remove the cancerous testicle (again, testicular cancer usually only effects one testicle, not both),
  • Radiation, and
  • Chemotherapy.

Doctors may use a combination of treatments depending on the type and stage of testicular cancer.

The Good News—the survival rate is very high for testicular cancer. It’s over a 90% survival rate.

So, what do life Insurance Companies look at when getting a Gen X applicant who has had testicular cancer?

  • WHEN WERE YOU DIAGNOSED—how long ago has it been since you were first diagnosed with testicular cancer. At what age were you first diagnosed with testicular cancer.
  • WHEN WERE YOU LAST TREATED—when were you last treated for the testicular cancer, and when did you subsequently get a clean bill of health for testicular cancer from your doctor.
  • METHOD OF TREATMENT—Whether the cancer was treated by surgery, radiation, chemo, or a combination of all three, is a consideration of life insurance underwriters reviewing your application.
  • WHAT TYPE AND STAGE OF TESTICULAR CANCER DID YOU HAVE—There are two types of testicular cancer a) seminomas, and b) non-seminomas. Here are the stages of testicular cancer in layman’s terms (I’m not a doctor): “Stage I—the cancer is only in the testicles, and has not spread; Stage II—the testicular cancer has reached the lymph nodes in the abdomen; and Stage III—The cancer has spread further, to other parts of the body. This could include the lungs, liver, brain, and bones.” (credits here). For more information on the stages of testicular cancer, Read this Article.
  • HOW HAS YOUR HEALTH BEEN SINCE TREATMENT FOR TESTICULAR CANCER—this is especially important to Life Insurance companies as it shows improved health or, unfortunately, worse health.
  • MEDICINE—The kind of medications you took during your treatment for testicular cancer, and the medications you currently take is a consideration for life insurance companies.
  • LIFE INSURANCE MEDICAL EXAM—As always, your treatment for testicular cancer is not analyzed by life insurance companies in a vacuum—life insurance companies want to know the big picture of your health. Life insurance companies will obtain your medical records and order you to take a life insurance medical exam which will test your blood, urine, etc. in order for them to get an overall picture of your health.

I hope this has been a helpful article on life insurance for Gen Xers after testicular cancer. The article is specifically geared toward Gen X men but is applicable to any man who has beaten testicular cancer.

All in all, getting life insurance after testicular cancer is doable—you just have to be aware that your life insurance rate is going to be higher. Prepare yourself for a higher rate at the onset so you won’t be shocked by the sticker price once you get the life insurance quotes.

If you are a Gen Xer interested in getting quotes for term life insurance from many A-rated life insurance companies like Prudential, Mutual of Omaha, and SBLI just to name a few, generate your own life insurance quotes here.  Just enter in your height, weight, how much life insurance you want, etc. on the life insurance quoter, and you’ll get your life insurance quotes within a few minutes.

If you prefer to discuss your life insurance needs with me directly, call me at (615) 525-6165, email me at Robert@weigelinsurance.com, contact me here, or message me through linkedin.com

 

Until next time and until next life insurance article,

 

Robert Weigel

Term Life Insurance Agent for Generation X

www.weigelinsurance.com

Robert@weigelinsurance.com

(615) 525-6165

 

Life Insurance after Breast Cancer for Generation X

By | Cancer

It’s a startling statistic—1 in 8 women will develop breast cancer (about 12.4% of all women) at some point over the course of their lifetime. Men get breast cancer as well, even though the news outlets rarely discuss men’s breast cancer. 1 in 1,000 men will be diagnosed with breast cancer over the course of their lifetime. The good news is that the incidences of breast cancer are decreasing as a result of the following factors:

  • decreased use of hormone replacement therapy,
  • widespread national awareness about breast cancer, and
  • early detection and screening for breast cancer.

Credits to breastcancer.org. Please go to the aforementioned site to do your own research about breast cancer. It’s highly informative. Here is the link.

For Generation X, which is comprised of women in their mid to late 30’s, 40’s, and early 50’s, breast cancer is a very personal issue for me. I’ve had multiple women I know (I’m a Gen Xer myself) who have been diagnosed with and beaten breast cancer. It is eye-opening when it’s a friend of yours who tells you casually over coffee that they have breast cancer, or an old acquaintance from college you see on facebook that is battling the disease, their children and husband huddled around their hospital room bed in photos. It’s sad to say the least. It’s no longer something that effects other people out there; it effects me; it effects us all.

(If you are a Gen Xer who has beaten breast cancer and would like to discuss your life insurance needs with me, call me at (615) 525-6165, email me at Robert@weigelinsurance.com, or Contact Me Here. It’s my privilege to help you.)

What is breast cancer, and what are the symptoms of breast cancer, especially for Gen X women?

Breast cancer starts when cells in the breast begin to grow out-of-control. These cells can either only be seen on X-rays or felt as a lump. Breast cancer can start on different parts of the breast.

The symptoms of breast cancer are the following:

  • “lump or mass,
  • Swelling of all or part of a breast (even if no distinct lump is felt),
  • Skin irritation or dimpling (sometimes looking like an orange peel),
  • Breast or nipple pain,
  • Nipple retraction (turning inward),
  • Redness, scaliness, or thickening of the nipple or breast skin,
  • Nipple discharge (other than breast milk)”

Credits to the American Cancer Society—please go to their link to read more information about the basics and symptoms of breast cancer. Their website is highly informative.

What are the treatments for breast cancer, especially for Gen X women?

Breast cancer is treated in the following ways:

  • “Surgery where the breast cancer is removed. Breast cancer surgery is known as mastectomy.
  • Radiation,
  • Chemotherapy. Chemo is treatment of breast cancer by cancer-killing drugs, either through the veins or through the mouth.
  • Hormone Therapy.”

Credits to the American Cancer Society Here.

If the breast cancer treatments have worked and you have survived for a five year period after the treatments, you are typically deemed cancer-free. Of course, subsequent visits to your doctor are essential to ensure that you are cancer-free.

So, what do life insurance companies consider when getting a Generation X life insurance applicant who has beaten breast cancer?

Here’s what life insurance underwriters look at when getting an applicant who has beaten breast cancer:

  • Age and Date of breast cancer diagnosis—At what age were you treated for breast cancer, and how long ago were you treated for breast cancer, are very important considerations for life insurance companies.
  • How long ago you were treated for breast cancer—how long did the treatment last and how long has it been since you’re last treatment for breast cancer and clean bill of health.
  • Types of breast cancer treatment—Types of treatment for breast cancer include surgery, radiation, chemotherapy, hormone therapy, etc.
  • Grade, Type, and Stage of breast cancer—These are the types of breast cancer: DCIS, IDC, ILC, Inflammatory Breast Cancer, Paget’s Disease of the Nipple, Metastatic Breast Cancer, etc. For a detailed description of the types of breast cancer, GO TO THIS LINK. There are three grades of breast cancer. The three grades of breast cancer are as follows: low grade, intermediate grade, and high grade. For a detailed understanding of the three grades of breast cancer, READ THIS ARTICLE. There are five stages of breast cancer. These are the five stages of breast cancer: Stage 0, Stage i, Stage ii, Stage iii, Stage iv. For a detailed description of each stage of the five stages of breast cancer, GO HERE. I am not a doctor, so it’s best to go directly to the source at the aforementioned links for a thorough analysis of the grades, types, and stages of breast cancer.
  • Shape of Tumor—Tumor shape and size is an important consideration for life insurance underwriters when evaluating the application of a breast cancer survivor.
  • Recurrence of breast cancer—Life insurance companies will want to know if there have been any recurrences of breast cancer since the last treatment.
  • Medications for breast cancer—Life insurance companies will want to know what medications you are currently on, and what medications you took to combat the breast cancer.
  • Other health conditions—Life insurance companies will look at your health in whole and not just the breast cancer in a vacuum when deciding upon your insurability.

All in all, getting life insurance if you are a Gen X breast cancer survivor is doable, but it definitely takes some effort to find the right life insurance company for you, and the right life insurance agent that will help you along the way. Don’t be scared off by the commonly-held notion that you can’t get life insurance because you’ve had cancer—for the most part, this notion is incorrect.

It just takes a little more effort to get the right life insurance company for you who will treat you as a person and not a statistic.

If you are a Gen Xer who has conquered breast cancer and would like to look into getting life insurance for your family, call me at (615) 525-6165, email me at Robert@weigelinsurance.com, or contact me through Linkedin.com.

 

Until next time and until next life insurance article,

 

Robert Weigel

Term Life Insurance Agent for Generation X

www.weigelinsurance.com

Robert@weigelinsurance.com

(615) 525-6165